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How the Azad Money Management Programme works

Money is an entirely personal matter. That’s why it’s important to get to know you first, and then your finances. This approach is the foundation which paves the road for your journey towards financial freedom. All through this journey, we are with you every step of the way - coaching and advising you on what works best for you. We create a unique, personalised plan that suits your individual needs, financial circumstances and life aspirations. Getting you to your ultimate destination – financial freedom – is our only motivation.

Understand

Understand

As a starting point, we first engage with you to understand what your life choices would be, if your expenses and financial liabilities are taken care of, and you are not constrained by money. Having understood what your larger life goals are, we help you transform each one of them to a financial goal, by ascribing a financial value and setting timelines for every one of them. This is where you eventually want to reach.

In addition, we also do the following:

Conduct an analysis of your current financial situation vis-a-vis the life-stage you are at

Develop a balance sheet of your finances with all the information gathered from you

Draw out an action plan to first correct the loopholes in your current finances

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Plan

Plan

After a thorough analysis of your finances and an understanding of your goals and needs, we develop a plan that is custom-made to help you achieve your life goals. The money management plan is structured across 3 levels:

Create a financial portfolio outline in line with your risk profile that will deliver returns commensurate to your financial goals.

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Execute

Execute

A key aspect of the Azad Programme is to track goals and the progress achieved against each of these goals. That is why we say, we walk the journey with you and guide, coach and even change course, where necessary, to help you progress from one goal to another. We cover the following in this phase -

In addition, we also do the following:

Putting the Plan into Action – Documentation, Setting up Accounts, Enrolments… we get everything done – big or small

Goal-tracking and progress review – Any good Plan needs close monitoring, we do it every quarter for you, at a goal level.